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Family Finance By : Joseph Kenny One of the hardest things that young couples report during their first year of marriage is getting to grips with joint finances. While most are willing to share what they have with their partner, they are not sure on the best way to bring this sharing into effect so that they can share with their new partner, but at the same time maintain financial security and a degree of independence. Family Budget Secrets to Lower Household Expenses, Higher Family Income and Wise Money Management By : Alfred Fraser The Home Budget, finances and uncontrolled expenses have caused unhappiness and divorce. Learn the three areas to look for wealth if you want to increase the Family Income and reduce household expenses. Emergencies - Are You Prepared? By : Drew Miles A young man got into a car accident resulting in many bedridden months in the hospital and $100,000 of debt in hospital bills. Easy Ways to Save Money By : Barney Garcia People throw away hundreds of dollars a week without even realizing they are doing it. Lottery tickets, coffee, movie tickets, lunch or carwashes are all hidden factors. Not to mention all the money that is spent on outings on the weekend such as dinner, drinks or going out to a bar. Easy Steps To Save Money At The Gas Pump By : Brenda Cyr Gas prices are hitting disgustingly high since the hurricanes and war started, and most of us can't afford it. This article will help you decrease your visits to the pump and at the same time help the environment. Three basic approaches that you can take are working with the car you have, buying a different vehicle and using somebody else's vehicle. Here are a few tips. Don't Check Your Brain at the Border By : Chris Cooper Use your brains when investing abroad. Does Money Just Slip Through Your Fingers? By : Michael Russell A look at some psychological aspects of personal finance. Do You Have Good Posture? By : Drew Miles When I started saving, I wasn’t saving much. Do You Have A Plan For Sticking To Your Budget? By : Dee Marie So you’ve made your budget and it looks good on paper. Great! Now it is time to implement it. But are you ready to follow the budget you’ve developed? Here are some helpful tips to keep you on track with your budget. Divorce and Credit Card Debt By : S. Lieberman Divorce and credit card debt can be serious. So be careful and be aware of your financial sitiuation. Debt-To-Income Ratio - Why It's Just As Important As Credit Score When Buying A New Home By : Charles J. Phelan Explains in detail the formula lenders apply to each applicant when reviewing home loans. Discusses the potential problems associated with "creative financing" loans popular in today's inflated housing market. Debit Report - What Is It And How Does It Effect You? By : Kevin Erickson Few consumers are aware that there are companies tracking all of their personal financial transactions – bankruptcies, credit cards, installment loans, mortgages and judgments. On the other hand, unless you were raised in a cave you've heard of a credit report and most likely understand that it's a record of all of your purchases. Cutting Your Kids' Schooling Costs By : Edwin Shackleford Whenever the school season is just around the corner, there's only one thing that parents are thinking about - the impending costs. Education is a primary right and a pertinent need of every child but it can become very costly. Availing of scholarships and education grants for your children is the best way to get them through schooling. But of course, only a small percentage of children can be given these privileges. Cut Your Utility Bill By : Rick Chapo Well, we’re all reeling from our utility bills. So, what can be done to cut energy costs? Credit Card Cheques Branded A “Rip-Off” By Financial Protection Agencies By : R.Green The Office of Fair Trading has issued a demand for a change in the law restricting the use of credit card cheques. These cheques have been around for about 10 years and are designed to allow people to transfer funds into another of the cardholder’s accounts or make payments using their credit card accounts without the use of the card itself. They have however come under fire for a variety of reasons and are widely disliked by both financial watchdogs and the public alike.

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